Do Credit Cards Important In Your Life?

What do you think about having a credit card?
Will it become a necessity in daily life or simply complement the needs of life?

For me, I'm not willing to use credit cards as a daily use to replace the cash. Because for me, using this credit card has its advantages and disadvantages.

In terms of its advantages is:-

1. Pay for goods and services more easily and quickly.
2. Taking advantage of the discounted sale / purchase in bulk.
3. Overcome temporary financial difficulties.
4. Able to try the goods without payment of cash. 
5. As a technique for combining a small debt to a debt only.

Disadvantages of credit cards is :-

1. Not aware of the the interest charged and the fees. 
2. Goods purchased had to be withdrawn for not paying the monthly installment. 
3. Encourages excessive spending. 
4. Prices may be increased 2 times - the price of goods + the interest. 
5. The interest is increasing in value if you do not pay installments. 
6. Owe more than the ability

If you do not have a credit card, musing, ponder what I listed above. To some extent it provides guidance on whether you want to have a credit card or otherwise.